Associate Underwriter Jobs in Edison, NJ (NOW HIRING)

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world.
The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key.

DUAL North America, Inc. is seeking a

• Classification: Exempt/Full-Time

• Reports to: SVP Underwriting, Cyber & Technology Risk

• Travel: Up to 25% or more

• Salary: $115,000.00-170,000.00

• Location: Chicago, IL, New York, NY, Hybrid

Role overview

DUAL North America is seeking a Senior Underwriter for the Cyber division.

At DUAL, Sr. Underwriters play a key role in shaping the underwriting framework, managing a portfolio of complex risks, and expanding broker relationships. In this role, you will provide technical expertise to evaluate insurance submissions, balancing risk exposure, coverage needs, and profitability.

Leading and collaborating with a team of underwriters in the Cyber division, you will assess high-stakes cyber risks, lead account negotiations, and support cyber product evolution in response to emerging threats. Your insights will influence both underwriting decisions and division strategy.

Role responsibilities

Underwrite complex insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage

Ensure submissions meet underwriting standards for the program and are profitable

Curate a portfolio of business in accordance with Underwriting Guidelines and prescribed pricing tools, but has more discretion in curating the portfolio than an underwriter

Identify changes in account/ market risk exposures and loss trends to maximize profitability

Work with Manager to define and execute team production goals

Review referrals from Underwriters and Associate Underwriters

Provides technical guidance, coaching, and mentoring to others on the team and within the company; may formally manage 1-2 direct reports but is not required

Execute on annual new and renewal business goals by achieving agreed premium income and hitting quote numbers with desired hit ratios and retentions

Foster relationships with key producers by traveling to connect and attend events/meetings as needed

Gather and compile information required to quote and/or bind an account

Demonstrate advanced understanding of technical underwriting principles and risk underwriting characteristics in their line of business which could include key components of risk factors and how these progress over time, understanding basic exclusions and understanding more nuanced risks as well; may begin expanding knowledge of other lines of business as well

Keep up to date on market dynamics, competitive landscape, and product differences - communicate market intelligence to the broader group

Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives

Underwriting Authority: Has Underwriting authority as outlined in LOA

Key requirements

Bachelor's degree in risk management, Finance, Business, or a related field preferred

5-8 years of relevant underwriting experience

Professional certifications such as CPCU, AU, or similar designations preferred

In-depth understanding of technical underwriting principles and risk assessment

Strong analytical, negotiation, and decision-making skills

Proven ability to manage and build broker and client relationships

Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)

Demonstrated ability to handle complex risks with sound judgment

Highly self-motivated with strong attention to detail

Ability to travel up to 25% as required for client meetings, conferences, or industry events

Must be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment

If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team.

What we offer:
A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.

We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.

EEO Statement:
We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.